ManipalCigna ProHealth Cash Plan: Buy/Renew Policy Online

ManipalCigna ProHealth Cash Plan

The ManipalCigna ProHealth Cash plan provides a daily cash allowance to the insured for each day of hospitalization. It pays for ancillary expenses incurred by the insured during hospitalization that are excluded under regular health insurance plans. This ManipalCigna health insurance policy also offers coverage for day care treatment, accidental death & disability cover and critical illnesses, if opted.

Categories	Specifications
Sum Insured	Rs 500 to Rs 5000 per day Rs 50,000 to Rs 25 lakh (For Accidental Death and Permanent Total Disability)
Policy Tenure	1 year, 2 years, 3 years
Network Hospitals	7500+
Incurred Claim Ratio (2020-21)	61.13%
Pre-policy Medical Tests	Not required up to 45 years and daily cash of up to Rs 3000
Pre-existing Diseases Waiting Period	4 years
Discount	10% family discount Up to 10% long term discount 3% online renewal discount
Deductible	1 day for daily cash benefit
Co-payment	Not applicable

Benefits of ManipalCigna ProHealth Cash Plan

Take a look at the key benefits of buying a ManipalCigna ProHealth Cash plan:

1. Coverage for Non-Medical Expenses

The ManipalCigna ProHealth Cash plan pays a daily allowance to the policyholder to pay for non-medical expenses incurred during hospitalization, such as clothes, travelling costs, etc.

2. Option to Choose Coverage Days

This ManipalCigna health insurance policy allows the policyholder to choose the maximum number of coverage days per policy year i.e. 60 days, 90 days and 180 days.

3. Worldwide Cover

Contrary to most plans, this plan offers worldwide coverage. Thus, the insured will get a daily cash allowance from the insurance company even if he/she gets hospitalized outside India.

4. Cashless Hospitalization Facility

The ManipalCigna Health Insurance Company offers cashless hospitalization facilities to the insured at more than 7500 network hospitals across India.

5. Online Wellness Program

With this policy, the insured gets access to online customized health & wellness programs, such as health risk assessment, nutrition programs, lifestyle management programs, etc.

6. Tax Benefits

Policyholders can avail tax deductions on the premium paid for buying the ManipalCigna ProHealth Cash plan under Sec 80D of the Income Tax, 1961.

ManipalCigna ProHealth Cash Plan Eligibility Criteria

Here are the eligibility criteria to buy a ManipalCigna ProHealth Cash plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 91 days 5 years (For accidental death and permanent total disablement cover)
Maximum Entry Age	Adult – 65 years Child – 17 years
Coverage Type	Individual
Relationships Covered	Self, spouse, children, parents, siblings, parents-in-law, grandparents and grandchildren
Renewability	Lifetime

Types of ManipalCigna ProHealth Cash Plan

The ManipalCigna ProHealth Cash plan is available in two types:

Basic Plan – This type of plan offers sickness hospital cash benefit, ICU cash benefit, worldwide cover and accident hospital cash benefit.
Enhanced Plan – This type of plan offers the convalescence benefit, compassionate benefit and companion benefit in addition to the coverage available under the Basic plan.

Inclusions of ManipalCigna ProHealth Cash Plan

A ManipalCigna ProHealth Cash plan includes the following coverage:

Sickness Hospital Cash Benefit – It pays a daily cash benefit in case the insured is hospitalized due to sickness.
Accident Hospital Cash Benefit – It pays twice the daily cash benefit amount if the insured is hospitalized due to an accident.
ICU Cash Benefit – It pays thrice the daily cash benefit amount for a maximum of 15 days in a policy year in case the insured is admitted to the ICU.
Worldwide Cover – It pays three times the daily cash benefit amount if the insured is hospitalized outside India.
Convalescence Benefit – It pays five times the daily cash benefit amount in case the insured is hospitalized continuously for 10 days or more.
Companion Benefit – It pays half the daily cash benefit amount to the person accompanying the insured to the hospitalization.
Compassionate Benefit – It pays 10 times the daily cash benefit amount in case the insured dies while being hospitalized for accidental injuries.

Optional Covers:

Day Care Treatment – It covers the cost of five-day care procedures, including cataract surgery, up to five times the daily cash benefit amount or Rs 25,000, whichever is lower.
Accidental Death and Permanent Total Disability – It pays compensation up to the sum insured in case the insured dies in an accident or ends up suffering from permanent total disability.
Critical Illness Cover – It pays a lump sum amount to the insured in case he/she is diagnosed with one of the 11 listed critical illnesses.

Exclusions of ManipalCigna ProHealth Cash Plan

The following medical expenses are excluded under the ManipalCigna ProHealth Cash plan:

Self-inflicted injury or an attempt to suicide
Pregnancy
Treatment for drug or alcohol abuse
Dental treatment
Sexually transmitted diseases
Cosmetic surgery
Artificial life maintenance
Adventure or hazardous sports
Organ transplant surgery
HIV/AIDS

ManipalCigna ProHealth Cash Plan Waiting Periods

Check out the waiting period applicable under a ManipalCigna ProHealth Cash plan:

Category	Waiting Period
Initial Waiting Period	30 days
Specific Illness Waiting Period	2 years
Pre-existing Diseases Waiting Period	4 years
Critical Illness Waiting Period	90 days 30 days (survival period)

FAQs

Q1. Can I extend the daily cash benefit coverage under my ManipalCigna ProHealth Cash policy?

Ans: Yes, you can extend your daily cash benefit coverage under your ManipalCigna ProHealth Cash policy up to a maximum of 450 days in the lifetime of the policy.
Q2. How many times can I claim convalescence benefit under my ManipalCigna ProHealth Cash policy?

Ans: Under the ManipalCigna ProHealth Cash policy, convalescence benefit is payable only once in a policy year.
Q3. Which documents should I submit to raise a claim under my ManipalCigna ProHealth Cash policy?
Ans: You can submit the following documents to raise a claim under your ManipalCigna ProHealth Cash policy:
- Duly filled claim form
- Hospital discharge summary
- Hospital main bill/receipt
- FIR/ MLC/ Post Mortem report, if applicable
- Death certificate, if applicable
- OT notes, if applicable
Q4. How can I check the premium of my ManipalCigna ProHealth Cash policy?

Ans: You can check the ManipalCigna Health Insurance premium chart for the ProHealth Cash plan to know the premium that you’ll have to pay.
Q5. Can I pay my ManipalCigna ProHealth Cash policy premium in instalments?

Ans: Yes. You can pay the premium of your ManipalCigna ProHealth Cash policy in annual instalments if you have a 2-year and 3-year policy.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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